UTKARSHBNK

Utkarsh Small Finance Bank Ltd.

NSE: UTKARSHBNK

BSE: 543942

Sector: Financial Services

Industry Group: Banks

Industry: Other Bank

14.69+0.3 (+1.80%)

24 Aug, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

3.0 / 100

Value Score

52.9 / 100

Price Momentum Score

44.5 / 100

QVM Score

16.2 / 100

Key Metrics

Market Cap

2614.12

P/E (TTM)

P/B

0.94

P/S (TTM)

1.37

EV/EBITDA

CAPE (5Y)

ROE (TTM)

-40.03

ROCE (TTM)

-26.89

ROA (TTM)

-4.04

Avg 3Y ROE

-6.41

Earnings 3Y CAGR

-58.12

Sales 3Y CAGR

0.01

Sales 5Y CAGR

14.17

Debt/Equity

1.07

Consensus TP

19.00

Strong Buy %

Promoter Holding

42.67

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Utkarsh Small Finance Bank Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.94 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -31.88%

What is P/B Ratio?

Median: 1.38

Value 0.94

0.84.18

Negative

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -4.57% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Low and declining ROE

The company reported low ROE of -40.03% for 12-month ended 30 Jun 2026 and ROE declined by -4083 bps from 1 year ago

What is ROE (FY)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of -23.16% for 12-month ended 30 Jun 2026 and the growth was 38.27 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 15.11

Value -23.16

-24.9419.03

Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of -134.37% for 12-month ended 30 Jun 2026 and the growth was 146.7 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

High Net Interest Margin (NIM) but declining trend

The company reported strong Net Interest Margin (NIM) of 5.43% for 12-month ended 30 Jun 2026 but Net Interest Margin (NIM) declined by -263 bps from 1 year ago

What is Net interest margin?

High, but decreasing Gross NPA

The company has high Gross NPA of 7.71% as on 30 Jun 2026 but Gross NPA decreased by 3.71 in the last 1 year

What is Gross NPA (%)?

Financial Snapshot

See detailed analysis

Multi-year trends for Utkarsh Small Finance Bank Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Utkarsh Small Finance Bank Ltd. Shareholding Pattern

Quarterly breakdown of Utkarsh Small Finance Bank Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Jul 2017	Mar 2018	Aug 2019	Jul 2020	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	100.00	100.00	99.99	100.00	69.28	69.16	69.06	69.02	68.94	68.93	68.92	68.92	68.92	42.67	42.67	42.67
Indian Promoter	100.00	100.00	99.99	100.00	69.28	69.16	69.06	69.02	68.94	68.93	68.92	68.92	68.92	42.67	42.67	42.67
Foreign Promoter	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	0.00	0.00	0.00	0.00	15.07	12.04	10.69	11.56	11.01	9.58	8.03	4.64	4.08	21.56	21.06	21.45
Mutual Funds / UTI	0.00	0.00	0.00	0.00	7.22	6.48	6.57	7.08	7.03	5.76	4.72	0.56	0.17	0.41	0.18	-
FI/Bank/Insurance	0.00	0.00	0.00	0.00	4.08	3.44	2.11	2.35	2.02	1.51	1.36	1.26	1.26	6.66	6.72	7.10
Govt	0.00	0.00	0.00	0.00	-	-	-	0.01	0.01	0.01	0.01	0.01	0.01	0.01	-	-
FII	0.00	0.00	0.00	0.00	2.07	0.74	0.87	0.95	0.99	1.33	0.99	1.85	1.68	11.80	11.49	11.90
Other Institutions	0.00	0.00	0.00	0.00	1.69	1.38	1.14	1.17	0.96	0.96	0.96	0.96	0.96	2.68	2.68	2.46
Non-Institution	0.00	0.00	0.01	0.00	15.65	18.79	20.25	19.43	20.05	21.50	23.05	26.43	27.00	35.78	36.28	35.88
Bodies Corporate	0.00	0.00	0.00	0.00	0.45	0.58	0.66	1.16	0.98	1.47	1.84	2.57	2.16	6.85	4.76	4.69
Others (incl. Retail) No. of shareholders	0.00 0	0.00 0	0.01 6	0.00 0	15.20 1,63,398	18.21 1,92,471	19.59 2,21,710	18.27 2,14,726	19.07 2,27,487	20.03 2,40,189	21.21 2,43,218	23.86 2,47,914	24.84 2,48,983	28.93 2,76,200	31.52 2,82,469	31.19 2,78,701

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Utkarsh Small Finance Bank Ltd. shares as reported to NSE and BSE.

Name	Date	Type	Price	Qty.	Value
FOUR DIMENSIONS SECURITIES (INDIA) LTD.	05 May 2025	buy	₹ 24.12	90.91 lac	₹ 21.93 cr
WISDOMTREE INDIA EARNINGS FUND	10 Dec 2024	buy	₹ 38.16	55.20 lac	₹ 21.06 cr
GRAVITON RESEARCH CAPITAL LLP	24 Jul 2023	buy	₹ 53.50	87.73 lac	₹ 46.94 cr
GRAVITON RESEARCH CAPITAL LLP	24 Jul 2023	sell	₹ 53.58	87.73 lac	₹ 47.01 cr
GRT STRATEGIC VENTURES LLP	21 Jul 2023	buy	₹ 42.05	61.96 lac	₹ 26.06 cr
GRT STRATEGIC VENTURES LLP	21 Jul 2023	sell	₹ 42.07	62.00 lac	₹ 26.08 cr
MANSI SHARE AND STOCK ADVISORS PVT LTD	21 Jul 2023	buy	₹ 46.66	61.86 lac	₹ 28.86 cr
MANSI SHARE AND STOCK ADVISORS PVT LTD	21 Jul 2023	sell	₹ 46.92	61.82 lac	₹ 29.00 cr
OM TRADING	21 Jul 2023	buy	₹ 44.68	97.19 lac	₹ 43.42 cr
OM TRADING	21 Jul 2023	sell	₹ 43.40	66.13 lac	₹ 28.70 cr

Corporate Actions

History of Utkarsh Small Finance Bank Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Rights Issue(8 new shares @ ₹14 for 13 existing shares)
Ex-date: 14th Oct 2025Announced on: 8th Oct 2025
"Rights ISIN is INE735W20017 SEDOL BT3CW10 and CUSIP Y9317T124."
Dividend₹ 0.50/share
Record date: 12th Jul 2024Ex-date: 12th Jul 2024
Announced on: 26th Apr 2024

Company Profile

Overview of Utkarsh Small Finance Bank Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services with a focus on providing microfinance to the underserved and unserved sections of the country. Its lending activities are primarily focused on rural an...

Key personnel

Ritesh Kumar

Chief Compliance Officer

Mr. Muthiah Ganapathy

Company Secretary

Mr. Arun Raman

Head - Operations

Mr. Muthiah Ganapathy

Company Secretary

Mr. Kshatrapati ShivajiD

Part Time Independent Chairman of the Board

Mr. Govind SinghD

Managing Director and Chief Executive Officer, Executive Director

Mr. Pramod Kumar DubeyD

Whole-Time Director

Mr. Sarjukumar Pravin SimariaD

Whole-Time Director

View all

Incorporated on

30 Apr 2016

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

18,400

IPO date

21 Jul 2023

Free Float

79,95,30,245

Website

https://utkarsh.bank

Phone no.

+915426605555

Address

Utkarsh Tower, NH - 31 (Airport Road), Sehmalpur, Kazi Sarai, Harhua, VARANASI, 221105, India

Frequently Asked Questions

What is the current share price of Utkarsh Small Finance Bank Ltd.?

The current share price of Utkarsh Small Finance Bank Ltd. is ₹ 14.69 as of 24 Aug 2026.

What is the market capitalisation of Utkarsh Small Finance Bank Ltd.?

The market capitalisation of Utkarsh Small Finance Bank Ltd. stands at ₹ 2,614.12 Cr.

What is the PE ratio of Utkarsh Small Finance Bank Ltd.?

The Price-to-Earnings (PE) ratio of Utkarsh Small Finance Bank Ltd. is - as of the latest trailing twelve months data.

What is the ROE and ROCE of Utkarsh Small Finance Bank Ltd.?

Utkarsh Small Finance Bank Ltd. has a Return on Equity (ROE) of -40.03% and a Return on Capital Employed (ROCE) of -26.89% as per the latest financial reports.

What is the 52-week high and low of Utkarsh Small Finance Bank Ltd.?

The 52-week high of Utkarsh Small Finance Bank Ltd. is - and the 52-week low is -.

What is the dividend yield of Utkarsh Small Finance Bank Ltd.?

The dividend yield of Utkarsh Small Finance Bank Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Utkarsh Small Finance Bank Ltd.?

Foreign Institutional Investors (FII) hold 11.90%, Domestic Institutional Investors (DII) hold 7.10% and retail/public investors hold 31.19% of Utkarsh Small Finance Bank Ltd. shares.

What sector does Utkarsh Small Finance Bank Ltd. belong to?

Utkarsh Small Finance Bank Ltd. operates in the Financial Services sector.

What is the beta of Utkarsh Small Finance Bank Ltd.?

The beta of Utkarsh Small Finance Bank Ltd. is 1.27, indicating its price volatility relative to the broader market. Over the past 1 year, Utkarsh Small Finance Bank Ltd. has delivered an absolute return of -15.53%.

What is the RSI of Utkarsh Small Finance Bank Ltd.?

The 14-day Relative Strength Index (RSI) of Utkarsh Small Finance Bank Ltd. is 59.05, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

Utkarsh Small Finance Bank Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Utkarsh Small Finance Bank Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Corporate Actions

Company Profile